18 providers

Providers with no minimums in 2026

These providers have no minimum volume requirements, so indie makers, side projects and early-stage startups can start at zero and grow without switching. No floors, no commitments.

Providers with no minimums

18 of 53 providers in the directory. Suby is highlighted.

Suby UsMoR
SaaS, creators, Discord/Telegram communities
AnyBank+InstantMoR
Regions
Global
Pricing
4% + $0.40 card · 1.5% crypto

Merchant of Record with card and crypto acceptance and USDC or bank payouts. Native Discord/Telegram integrations.

StripePSP
Developers, SaaS, marketplaces
AnyBank+Instant
Regions
Global
Pricing
2.9% + $0.30

Developer-first PSP. Not a Merchant of Record; tax, billing and fraud are paid add-ons.

SquareAggregator
In-person retail, SMBs
AnyBankInstant
Regions
US, UK
Pricing
2.9% + $0.30 online

Aggregator with strong POS hardware and fast self-serve onboarding.

PayPalAggregator
Freelancers, small merchants, checkout trust
AnyBankInstant
Regions
Global
Pricing
3.49% + $0.49

Ubiquitous wallet and checkout with instant onboarding.

SumUpAggregator
In-person SMB, micro-merchants
AnyBankInstant
Regions
US, Europe, LatAm
Pricing
2.5% online

Card reader and simple acceptance for small in-person sellers.

Zettle (PayPal)Aggregator
In-person SMB
AnyBankInstant
Regions
Europe, LatAm
Pricing
2.29% + $0.09 (in-person)

PayPal's in-person POS and card reader for small businesses.

WisePayout
Cross-border payouts, multi-currency
AnyBank+Instant
Regions
Global
Pricing
FX + fee (varies)

Multi-currency accounts and low-FX payouts. Not a card acquirer.

Revolut BusinessPayout
SMB banking + simple acceptance
AnyBank+Instant
Regions
Europe, UK
Pricing
1% + £0.20 online

Business accounts with multi-currency and a merchant-acceptance add-on.

RazorpayPSP
India-based businesses
AnyBankInstant
Regions
India, Asia
Pricing
2%

Leading India PSP with UPI and local methods, plus payouts.

PaystackPSP
African businesses
AnyBankInstant
Regions
Africa
Pricing
1.5% + ₦100

Stripe-owned African PSP with strong local methods.

YocoAggregator
African SMB, in-person
AnyBankInstant
Regions
Africa
Pricing
2.95%

Card readers and acceptance for small African businesses.

Mercado PagoAggregator
Latin America
AnyBankInstant
Regions
LatAm
Pricing
4.99% (instant)

MercadoLibre's payment arm; dominant across LatAm.

Lemon SqueezyMoR
Digital products, indie SaaS
AnyBankInstantMoR
Regions
Global
Pricing
5% + $0.50

Merchant of Record for digital goods; tax handled. Part of Stripe.

PolarMoR
Developers, open-source, SaaS
AnyBankInstantMoR
Regions
Global
Pricing
5% + $0.50

Developer-focused Merchant of Record for digital products and subscriptions.

GumroadMoR
Creators, digital downloads
AnyBankInstantMoR
Regions
Global
Pricing
10% + $0.50

Creator-friendly Merchant of Record for digital products. Zero setup.

WhopAggregator
Digital communities, creators
AnyBankInstant
Regions
Global
Pricing
5.7% + $0.30

Marketplace and checkout for digital communities and memberships.

Coinbase CommerceCrypto
Crypto-native checkout
AnyUSDCInstant
Regions
Global
Pricing
1%

Accept crypto and settle to stablecoin. No cards.

NOWPaymentsCrypto
Wide-asset crypto acceptance
AnyUSDCInstant
Regions
Global
Pricing
0.5%

Non-custodial crypto gateway supporting many assets.